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Thanks for your concepts. One thing I've noticed is the fact banks as well as financial institutions are aware of the spending practices of consumers and understand that most of the people max out and about their cards around the holidays. They smartly take advantage of this real fact and then start flooding the inbox along with snail-mail box along with hundreds of no-interest APR credit card offers right after the holiday season finishes. Knowing that if you are like 98 in the American public, you'll soar at the one opportunity to consolidate financial debt and switch balances for 0 apr interest rates credit cards.